Does Harbor East flood?
Harbor East, Boca Raton, FL · ZIP codes 33431 and 33432: the ZIP codes on most of the flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Harbor East have filed flood claims. About 59% of Harbor East’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 38 claims from the Census block groups that cover Harbor East, from 1979 through 2019. 16 of them received a payment, totaling $626,296 (not adjusted for inflation). The busiest years were 2005 (8 claims), 1979 (6 claims), 2017 (5 claims).
What this page counts as Harbor East
We could not find an openly licensed official boundary for Harbor East, so this page uses a census-based area. For this page, Harbor East means the 2010 Census block groups whose center lies within 1.6 km (1.0 miles) of the U.S. Geological Survey (GNIS) map point for Harbor East (feature 283708) and inside the Boca Raton city limits (U.S. Census Bureau), each block group going to the nearest of the places we cover. Every number below is for exactly those block groups (listed in “How these numbers were made”), so the edges are approximate and may include or leave out a few blocks people would call Harbor East. Sources: U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
Past claims do not predict future flooding, and a neighborhood figure cannot tell you about one building. Look up the exact address on the FEMA Flood Map Service Center and get flood insurance quotes before you sign a lease or a contract.
Check a specific address in Harbor East
Neighborhood figures are averages. Our address check looks up the FEMA flood zone and the hurricane evacuation zone at one address, from the same public maps: check if your address is in a flood zone.
Flood zones street by street in Harbor East
The named streets in Harbor East, longest first, with how much of each street’s length inside Harbor East lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Harbor East; the main zone is the FEMA zone covering most of that length. A street can cross several zones, so the zone at one address can differ from the street’s main zone: check the address above for that. 28 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| N Ocean Blvd | 2.8 mi | 27% | X (unshaded, minimal) (68%) |
| Windwood Blvd | 1.5 mi | 2.7% | X (shaded, 0.2% annual chance) (88%) |
| NW 2nd Ave | 1.0 mi | 14% | X (unshaded, minimal) (62%) |
| N Dixie Hwy | 2,860 ft | 42% | X (unshaded, minimal) (58%) |
| State Hwy 5 | 2,770 ft | 0.0% | X (shaded, 0.2% annual chance) (96%) |
| NE 20th St | 2,540 ft | 2.7% | X (unshaded, minimal) (93%) |
| NE 4th Way | 2,530 ft | 0.0% | X (unshaded, minimal) (100%) |
| NE 5th Ave | 2,490 ft | 0.0% | X (shaded, 0.2% annual chance) (66%) |
| NE Spanish Trl | 2,440 ft | 7.2% | X (unshaded, minimal) (86%) |
| NE 24th St | 2,250 ft | 9.1% | X (unshaded, minimal) (73%) |
| Marble Way | 2,230 ft | 65% | AE (65%) |
| NE Wavecrest Way | 2,200 ft | 100% | AE (100%) |
| NE 25th Ter | 2,190 ft | 0.0% | X (unshaded, minimal) (76%) |
| NE Olive Way | 2,180 ft | 87% | AE (87%) |
| NE Wavecrest Ct | 1,980 ft | 75% | AE (75%) |
| NE Spanish Ct | 1,950 ft | 71% | AE (71%) |
| NE 4th Ave | 1,910 ft | 0.0% | X (unshaded, minimal) (95%) |
| NW 1st Ave | 1,800 ft | 0.0% | X (unshaded, minimal) (100%) |
| NW 5th Ave | 1,770 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| NW 20th St | 1,660 ft | 9.9% | X (unshaded, minimal) (90%) |
| NE 2nd Ave | 1,660 ft | 0.0% | X (unshaded, minimal) (100%) |
| Coquina Way | 1,620 ft | 42% | AE (42%) |
| NE 4th St | 1,590 ft | 59% | AE (59%) |
| NE 24th Ct | 1,560 ft | 0.0% | X (unshaded, minimal) (93%) |
| NE 26th Ter | 1,450 ft | 0.0% | X (unshaded, minimal) (94%) |
Streets: U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads). Flood zones: FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, retrieved October 30, 2026. Each street is clipped to the area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Harbor East
Share of Harbor East’s mapped area (about 5.176 km²) in each FEMA flood zone, from FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Mapped base flood elevations inside the neighborhood range from 6 to 13 feet. Effective date of the FIRM panel(s) covering it (12099C0988G, 12099C0989G, 12099C0995G, 12099C1177G): December 20, 2024.
| FEMA zone | Share of area |
|---|---|
| VE | 41% |
| X (unshaded, minimal) | 30% |
| AE | 16% |
| X (shaded, 0.2% annual chance) | 11% |
| AH | 2.2% |
What the zones mean
- Zone AE (and A, AH, AO)
- High-risk: part of the Special Flood Hazard Area (SFHA), the area FEMA maps as having a 1-percent chance of flooding in any given year (the “100-year” or base flood). AE areas have a mapped base flood elevation.
- Zone VE (and V)
- High-risk coastal areas, also in the SFHA, where the base flood is expected to bring additional hazards from storm waves.
- Zone X (shaded)
- Moderate hazard: between the limits of the 1-percent and the 0.2-percent-annual-chance (“500-year”) flood.
- Zone X (unshaded)
- Minimal hazard: outside the SFHA and higher than the 0.2-percent-annual-chance flood elevation. Minimal is not zero: flood claims are filed from X zones too.
Source: FEMA Glossary: Flood Zones.
Flood insurance claims over time
Claims filed under the National Flood Insurance Program (NFIP) from the 2010 Census block groups that cover Harbor East. This area is made of whole block groups, so every claim counted here comes from inside it. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1970s | 6 | $669 |
| 1980s | 2 | $165 |
| 1990s | 8 | $122,550 |
| 2000s | 13 | $0 |
| 2010s | 9 | $502,911 |
By year of loss
Named flood events with the most claims
- Hurricane Wilma: 6 claims
- Flooding: 6 claims
- Hurricane Irma: 5 claims
- Hurricane Frances: 1 claims
- Hurricane Irene: 1 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 18
- X/B/C (moderate or minimal): 16
- Not reported: 4
How much is flood insurance in Harbor East?
The typical National Flood Insurance Program policy on single-family homes in Harbor East costs $816 a year: the median of 39 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $682 and $1,082. That is the full amount paid for the year, the premium plus FEMA’s fees and surcharges, and every one of these policies is priced under Risk Rating 2.0. A quote for one building can be far from this: its elevation, foundation, age, coverage and deductible all change the price. Private flood insurance is not included.
Source: FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3, computed October 30, 2026.
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Hurricane evacuation zone
About 60% of Harbor East is outside Palm Beach County’s storm surge evacuation zones (Palm Beach County Division of Emergency Management, Evacuation Zones).
| Zone | What the county says it means | Share of Harbor East |
|---|---|---|
| Zone B | see the county’s zone description | 35% |
| Zone C | see the county’s zone description | 0.6% |
| Zone E | see the county’s zone description | 4.4% |
| Not in any zone | outside the county’s storm surge evacuation zones | 60% |
Zones can split a street. Confirm the exact address with the county (Palm Beach County: Know Your Zone) and follow official evacuation orders. Palm Beach County provides this data “as is”, without warranty or any representation of accuracy, timeliness or completeness.
Before you rent or buy in Harbor East
- Look up the exact address on the FEMA Flood Map Service Center; a neighborhood can mix high-risk and minimal-hazard zones.
- Ask the landlord or seller about past flooding and flood insurance claims at the property.
- Get a flood insurance quote early: new NFIP policies usually take 30 days to start (FloodSmart (NFIP): Buy a Flood Insurance Policy).
- Ask which floor the unit is on and where parking, storage and mechanical equipment sit.
Living in Harbor East
Flood maps are only one part of choosing a neighborhood. To compare Harbor East with other Boca Raton neighborhoods on more than flooding, see Boca Raton on StrollPlace.
Buyer and renter FAQ
Does Harbor East flood?
Yes. Insured properties in and around Harbor East have filed flood claims. About 59% of Harbor East’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 38 claims from the Census block groups that cover Harbor East, from 1979 through 2019. 16 of them received a payment, totaling $626,296 (not adjusted for inflation). The busiest years were 2005 (8 claims), 1979 (6 claims), 2017 (5 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Harbor East in a flood zone?
About 59% of Harbor East’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). Shares by zone: VE 41%; X (unshaded, minimal) 30%; AE 16%; X (shaded, 0.2% annual chance) 11%; AH 2.2%. The FIRM panel(s) covering it took effect December 20, 2024.
Which streets in Harbor East are in a high-risk flood zone?
Most of the length of Marble Way, NE Wavecrest Way, NE Olive Way, NE Wavecrest Ct, NE Spanish Ct and NE 4th St lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of Windwood Blvd, State Hwy 5, NE 20th St, NE 4th Way, NE 5th Ave, NE Spanish Trl, NE 24th St and NE 25th Ter does. Zones can change along a street, so check the exact address.
What ZIP code is Harbor East in?
Harbor East is in Boca Raton, FL. ZIP codes 33431 and 33432: the ZIP codes on most of the flood insurance claims counted here. ZIP codes do not follow neighborhood lines. Check the specific address for its own flood zone.
Do renters need flood insurance?
Standard renters policies usually do not cover flood. Renters in a community that participates in the NFIP can buy contents-only flood coverage, up to $100,000 for belongings.
How long does a new flood policy take to start?
A new NFIP policy generally takes effect 30 days after purchase. Exceptions include no wait when the policy is bought while making, increasing, extending or renewing a mortgage, and a one-day wait in a newly designated high-risk zone within 12 months of the map change.
How much coverage can NFIP provide?
For a one-to-four family home, NFIP building coverage goes up to $250,000 and contents coverage up to $100,000. You can buy flood insurance even if you are not in a high-risk zone, as long as your community participates in the NFIP.
Is Harbor East in a hurricane evacuation zone?
About 60% of Harbor East is outside Palm Beach County’s storm surge evacuation zones. Check the exact address with the county and follow official orders.
How much is flood insurance in Harbor East?
The typical NFIP flood insurance policy on single-family homes in Harbor East cost $816 a year: the median of 39 policies that started between August 1, 2025 and July 31, 2026. Half cost between $682 and $1,082. One building’s quote can be far from this; its elevation, foundation, age, coverage and deductible all change the price.
FAQ sources: FloodSmart (NFIP): Buy a Flood Insurance Policy; FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025); 44 CFR 61.11, Effective date and time of coverage.
Nearby neighborhoods
- Blue Inlet
- Does Lake Rogers Isle flood?
- Does Floresta flood?
- Does Caribbean Key flood?
- Bel Marra
- Does Royal Oak Hills flood?
How these numbers were made
Area: the census-based definition above, using U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names. Flood zone shares: the area polygon intersected with FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, area computed in an equal-area projection; retrieved October 30, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Palm Beach County (county code 12099), dataset as of September 8, 2026, retrieved October 30, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 120990073021, 120990074162, 120990074163, 120990072023. Neighboring pages can share a block group, so their counts can overlap. Paid totals add building, contents and Increased Cost of Compliance payments and are not adjusted for inflation; a claim whose FEMA record shows a negative payment (an adjustment) counts as zero. Evacuation zones: the polygon intersected with Palm Beach County’s zone polygons in an equal-area projection; shares below 0.1% are left out. See the methodology.
Sources
- Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on October 30, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 30, 2026.
- U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
- FEMA Glossary: Flood Zones.
- FloodSmart (NFIP): Buy a Flood Insurance Policy.
- FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025).
- 44 CFR 61.11, Effective date and time of coverage.
- OpenFEMA Terms and Conditions.
- Palm Beach County Division of Emergency Management, Evacuation Zones (retrieved October 30, 2026).
- Palm Beach County: Know Your Zone.
- FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3.
- U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads).
Data as of September 8, 2026 (FEMA claims) and October 30, 2026 (flood zones); hazard data computed October 30, 2026. Page last updated October 30, 2026.